Mmene Mungayankhire Kutaya Msonkho kwa Ophunzira Chifukwa cha Kulemala
Kodi ndinu olumala kwamuyaya? Kodi muli ndi ngongole zapamwamba za ophunzira? Ngati ndi choncho, mungakhale oyenerera kuti wophunzira wanu akulipiritseni ngongole kuti akukhululukireni pogwiritsa ntchito pempho la ngongole. Izi zikhoza kukuthandizani kuti musayambe kufotokoza bankruptcy kuti wophunzira wanu alandire ngongole, zomwe zingatheke kwa iwo omwe ali olumala.
Kusankha chopempha chikhululukiro cha ngongole kungakhale kovuta kwa ena.
Mukudziwa kuti munagwiritsa ntchito ndalama koma tsopano mukupeza kuti simungathe kulipira. Si chifukwa chanu kuti mwakhumudwa. Ngati mukukhala pa Social Security , ndithudi simungakwanitse kupanga malipiro a ngongole, chifukwa ndi ndalama zoperekera ndalama. Ngakhale mutapatsidwa malipiro a antchito, pangakhale zaka zambiri musanalandire ndalama pa imodzi mwazinthuzo.
Kodi mungapemphe Bwanji Mtsinje Wophunzira Wopereka Ngongole?
Kodi mungatani kuti muchepetse nkhawa za ma telefoni anu komanso mutachepetse ngongole yanu? Pezani mpira ndi ofesi ya Federal Student Aid, kapena Dipatimenti Yophunzitsa ku United States. Tsopano ali ndi tsamba limodzi loyimira ntchito pa Disabilitydischarge.com kuti muyambe kugwiritsa ntchito pa intaneti.
Kutaya kwathunthu ndi kulemala kwapadera (TPD) kukuthandizani kuti mubwezereni ngongole ya Pulogalamu ya William D. Ford Federal (Ngongole ya Pulogalamu yachindunji), ngongole ya pulogalamu ya Federal Fellowship (FFEL), ndi / kapena Federal Perkins Loan (Perkins Loan) Ndondomeko ya ngongole kapena kumaliza maphunziro a Teacher Education kwa College ndi Maphunziro Apamwamba (TEACH) Grant service udindo chifukwa cha chiwerengero chanu chokhazikika ndi chosatha.
Mudzatsiriza mauthenga oyambirira pa intaneti, ndipo musindikize ntchitoyi. Mudzalemba zolemba zanu ndikuzilemba ndi dokotala wanu musanatumize makalata. Dipatimenti ya Maphunziro idzapeza anthu onse omwe amapereka ngongole ndi ogulitsa ngongole, monga Sallie Mae kapena Nyanja Yaikulu, ndikukonzekera njirayi.
Izi ziphatikizapo kuika malipiro anu kwa masiku 120 panthawi yofunsira.
Funso loyamba la Loan Discharge
Dokotala ayenera kusayina pempho lanu la chikhululukiro cha ngongole. Onetsetsani kuti dokotala akufotokoza ndendende chomwe chilepheretsa chiri. Kungonena kuti munthu ali wolemala, wopanda tsatanetsatane wafotokozera, adzangopeza chigamulo choletsedwa m'malo mwake. Muyenera kuyambiranso ntchitoyi.
Khalani ndi dokotala wamkulu kapena katswiri wodzisunga fomu iyi mu fayilo yanu, monga momwe Ophunzira a Federal Federal angathandizire nawo kuti mudziwe zambiri ngati mukufunikira. Ofunsira ali ndi masiku 90 kuchokera tsiku limene dokotala akulemba mawonekedwe kuti apereke kwa Dipatimenti Yophunzitsa US.
Pomwe Dipatimenti Yophunzitsa ku United States imalandira mawonekedwe, idzatumizidwa ku dipatimenti imene imayang'anira zopempha za TPD. Amawongolera zopemphazo, ndipo ngati kuli kofunikira, adzafunsanso zambiri kwa dokotala wanu, ndipo nthawi zina, kuchokera ku Social Security Administration.
Pambuyo pa ofesi ya TPD mutalandira pempho lanu, mudzalandira kalata yodziwitsa kuti pempho lanu likukonzedwa. Mudzapeza kalata ikukudziwitsani ngati ntchito yanu yavomerezedwa pakadutsa miyezi iwiri kapena itatu.
Ngongole yanu idzakhala pa malo osungira nthawiyi.
Malingaliro a Zolama Zofunsira
Mwamwayi, monga momwe ziliri ndi ngongole za ophunzira ambiri, njirayi ndi imodzi yokhala ndi kuchedwa ndi zokhumudwitsa. Pachifukwa ichi, aliyense woyesera kulandira ngongole yake ayenera kuchita izi:
- Onetsetsani kusunga makalata onse omwe dokotala wasaina. Ngati dokotala wanu amapereka fomu kumalo operekera ngongole kapena Dipatimenti Yophunzitsa ku United States, muyenera kutumiziranso kapepala kowonjezera. Ma fax ali ndi chizoloŵezi chosowa mwachinsinsi kapena safika kumene akupita.
- Tsatirani malire onse omwe amaperekedwa kuchokera ku malo osungirako ngongole kapena Dipatimenti ya Maphunziro a US kuti musapewe kuchedwa ndi kukana kwathunthu.
- Ngati poyamba, simukupambana, yesani, yesetsani! Ngati mwatsutsidwa nthawi yoyamba, yesetsani. Zingatengereni zoposa kuyesa kuti polojekiti yanu ivomerezedwe.
- Ngati mwakhala mukudikira kuti muwerenge, musaiwale kuti pali zina zomwe mungasankhe, kuphatikizapo mavuto azachuma.
- Musagwiritse ntchito kampani kapena utumiki kuti mupereke zofunikira zanu ngati sizikuyenera kupita kumalo ena aliwonse kuposa webusaiti ya DisabilityDischarge.com, ndipo simuyenera kulipira.
Nthawi Yowunika
Chikhululukiro chimenechi ndi cha iwo okha omwe ali olumala kwathunthu ndi osatha. Chifukwa cha anthu ambiri omwe adalandira chikhululuko koma posakhalitsa anagwiritsa ntchito bwino, pakadali pano zaka zitatu zofufuzira pokhapokha ngati kulema kwanu kukuvomerezedwa ndi Dipatimenti ya Akuluakulu a Veterans Affairs.
Muyenera kuyankha mwachangu pazaka zitatuzi kuzipempha zilizonse zowunikira ndi kutsimikizira kuti mukukumanabe ndi zofunikira za chikhululuko. Ngongole yanu ikhoza kubwezeretsedwa ngati mutha kupeza ndalama pamlingo wina, ngati mutenga ngongole zambiri, kapena ngati mwadziwitsidwa ndi SSA kuti simukutha kuwonongeka kwathunthu.
Mfundo Yofunika Kwambiri
Kumbukirani: maofesi onse amawonekeratu pazochitika. Ndicho chifukwa chake ndikofunika kwambiri kuti mudziwe zambiri zomwe mumagwiritsa ntchito momwe mungathere kuti "anthu kumapeto ena" amvetse bwino nkhani yanu. Ngakhale kuti zingakhale zotalika komanso zowonongeka kwa ena, zotsatira zake zingathe kuchepetsa nkhawa zambiri pankhani yosamalira ndalama kwa olumala.